Figure 1: CSB's CRE Loans as a Percentage of Total Capital

2004
Total CRE: 347.49%
Non-Farm Non-Residential: 249.26%
ADC: 91.58%

2005
Total CRE: 373.57%
Non-Farm Non-Residential: 279.61%
ADC: 82.14%

2006
Total CRE: 411.82%
Non-Farm Non-Residential: 309.46%
ADC: 90.21%

2007
Total CRE: 417.96%
Non-Farm Non-Residential: 337.82%
ADC: 61.36%

2008
Total CRE: 630.71%
Non-Farm Non-Residential: 499%
ADC: 107.23%

Source: UBPR for CSB, December 31, 2008.
Note: Increases in 2008 are due primarily to a decline in capital and not increases in loan volume.